A growth focused all stock portfolio with strong US tilt and style diversification

Report created on Aug 12, 2024

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is a pure stock mix made of four broad ETFs, with no bonds or cash buffer. Roughly two fifths sit in a total world fund, and the rest tilt toward US small value, dividend payers, and large growth. That structure gives you a core “own almost everything” base plus deliberate style tilts layered on top. This is well aligned with a growth profile and explains the higher risk score. For someone wanting to smooth the ride, gradually adding a small slice of defensive assets over time could help. For someone comfortable with equity swings, simply monitoring that none of the four pieces drifts far from target weights is a solid way to keep things on track.

Growth Info

Historically, a 10,000 dollar starting investment growing at about 15.97 percent per year (CAGR, or average yearly growth) would have become roughly 44,000 over ten years, before taxes and fees. That is a very strong result and reflects how well global and US stocks have done, especially US growth and quality companies. The max drawdown of around minus 36 percent shows the flip side: big temporary drops are part of the package. This pattern is normal for a growth‑oriented all‑stock mix and lines up with the risk rating. It is important to remember that past returns, even impressive ones, are not a promise of what the next decade will look like.

Projection Info

The Monte Carlo simulation, which uses many random “what if” paths based on historical ups and downs, shows a wide range of possible futures. In 1,000 simulations, almost all paths were positive, with an average annualized result near 18.4 percent and a median outcome above six times the starting value. The low percentile outcome around 81 percent of starting value reminds us that rough decades can happen, even for solid portfolios. Simulations help frame expectations but still rely on history repeating in some form. A practical way to use this is to plan for a wide band of outcomes and avoid over‑committing money that might be needed within the next five to seven years.

Asset classes Info

  • Stocks
    100%

The entire portfolio sits in one asset class: stocks. That pure‑equity stance gives maximum exposure to global business growth but also means full participation in stock market crashes. For a growth‑oriented investor with a long horizon, this can be perfectly reasonable and the broad diversification within stocks is a big plus. Compared with more mixed portfolios that include bonds or cash, this setup trades stability for higher potential return. If the goal is to stay fully in equities, one way to fine‑tune risk is to adjust the split between more volatile styles and steadier, income‑oriented holdings, rather than shifting into different asset classes.

Sectors Info

  • Technology
    24%
  • Financials
    15%
  • Consumer Discretionary
    13%
  • Industrials
    10%
  • Health Care
    10%
  • Energy
    9%
  • Telecommunications
    8%
  • Consumer Staples
    7%
  • Basic Materials
    3%
  • Real Estate
    1%
  • Utilities
    1%

Sector exposure is impressively broad, with meaningful stakes in technology, financials, consumer cyclicals, industrials, healthcare, and energy, plus smaller allocations elsewhere. This looks similar to many broad market yardsticks and is a strong sign of healthy diversification. The sizable weight in technology and related growth areas does mean results can be more sensitive to changes in interest rates and innovation cycles. At the same time, the inclusion of dividend‑oriented and value‑tilted holdings adds ballast in sectors like financials and defensive industries. Keeping an eye on whether any one sector drifts far beyond typical market weights can help avoid unintended concentration over time.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is heavily tilted to North America, with about 86 percent there and relatively small slices across Europe, Asia, and emerging regions. This is a common pattern for US‑based investors and has been rewarded in recent years as US stocks have outperformed many other markets. The global fund still ensures you own companies from around the world, which aligns nicely with broad diversification. The trade‑off is that country‑specific risks in the US, like policy changes or valuation swings, will strongly influence results. If a more even global balance is desired, gradually nudging the share of truly international exposure higher would move closer to global stock market weights.

Market capitalization Info

  • Mega-cap
    30%
  • Large-cap
    29%
  • Mid-cap
    16%
  • Small-cap
    13%
  • Micro-cap
    11%

The mix across company sizes is nicely spread, with meaningful exposure from mega and large caps down to small and even micro caps. This is a real strength of the portfolio because different size segments often lead at different times. Large and mega caps tend to be more stable and dominate broad indexes, while small and micro caps can offer higher long‑term growth but more volatility. The extra tilt toward small value adds a distinct return driver that is not heavily represented in many standard benchmarks. Rebalancing occasionally to keep each size bucket from drifting too extreme can help maintain this healthy balance between stability and growth potential.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

From a risk‑return angle, this portfolio sits in a robust spot but might not be exactly on the “efficient frontier,” which is the mix of these same holdings that gives the best trade‑off between risk and return. Efficient frontier analysis does not introduce new products; it only adjusts the percentages among what is already owned. With strong historical growth but meaningful drawdowns, small tweaks in the balance between the broad global core, the small value tilt, the dividend piece, and the growth sleeve could potentially achieve a similar expected return with a touch less volatility, or a slightly higher expected return for comparable risk. Periodic reviews can keep the allocation close to that efficient zone.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Weighted yield (per year) 1.84%

The overall dividend yield of about 1.84 percent is modest but respectable for a growth‑oriented stock mix. One ETF clearly boosts income with a higher yield, while the growth‑focused piece sits on the low side, as those companies usually reinvest profits instead of paying them out. Dividends can be attractive because they provide a steady cash stream that does not depend on selling shares, which some investors like to use for spending or reinvestment. For someone prioritizing long‑term wealth building, automatically reinvesting those payouts is a simple way to harness compounding. If income needs rise later, shifting more weight toward higher‑yielding components would increase the cash flow from the same portfolio size.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.10%

The blended cost, or total expense ratio, around 0.10 percent is impressively low for such a diversified equity lineup. Fees are like a quiet headwind: a higher fee drags on returns every single year, while low fees let more of the market’s growth show up in your account. This cost level is fully in line with best practices and broadly diversified benchmarks, which is a real strength of the portfolio. Over decades, saving even a fraction of a percent annually can translate into many thousands of dollars. The main ongoing task is just to check periodically that no fund’s fee structure changes in an unfavorable way and that no higher‑cost products sneak in.

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